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Fearing debt, 28-year-old software engineer Ravi never used credit cards. The Axis Bank Insta Easy Credit Card, which is granted against a set deposit, presented him with a risk-free chance.
He obtained a ₹40,000 credit limit and started an FD of ₹50,000. It became clear that it had no yearly fees, guaranteed approval, and an interest-free period of up to 50 days. He took advantage of reward points, a 1% fuel surcharge waiver, and 15% restaurant savings when he used it for dining, shopping, and petrol.
He could control his expenditure within months and even exchange his points for a fitness tracker. Thanks to this card, he was able to save wisely, have financial flexibility, and have a hassle-free credit experience.
The Axis Bank Insta Easy Credit Card is a secured credit card issued against a fixed deposit (FD) with Axis Bank, offering a range of features and benefits:
Applicants must have a fixed deposit with Axis Bank between ₹20,000 and ₹25 lakh and be at least 18 years old to qualify. Interestingly, no further paperwork is needed in addition to the bank's current KYC data.
For those who want the advantages of a credit card with the protection and guaranteed approval of a fixed deposit, this card is the perfect choice for you.
Benefit | Details |
Cashback on Movie Tickets | Enjoy 25% cashback on both online and box office movie ticket purchases throughout the week. The cashback is limited to ₹1,000 per calendar year. Transactions must be made at merchants registered under MCC 7832 or MCC 7922 to qualify. Note: No reward points are earned on movie ticket transactions. |
Rewards Points | Earn 6 EDGE REWARD points for every ₹200 spent on domestic transactions.- Earn 12 EDGE REWARD points for every ₹200 spent on international transactions.- Receive 100 EDGE REWARD Points upon completing your first online transaction. |
Charges | Fees and Charges |
Joining Fee | Zero |
Annual Fee | Zero |
Add-on Card Joining Fee |
Total Payment Due | Late Payment Fee |
Up to ₹500 | Nil |
₹501 - ₹5,000 | ₹500 |
₹5,001 -₹10,000 |
Additional Penalty
₹100 per cycle on missing Minimum Amount Due (MAD).
An Axis Bank fixed deposit is used as collateral for the secured Axis Bank Insta Easy Credit Card. Here are some of its pros and cons to consider:
Fuel Surcharge Waiver
Recieve a 1% waiver on fuel surcharges for transactions between ₹400 and ₹4000 across all fuel stations in India. The maximum benefit is capped at ₹400 per statement cycle. Note: No reward points are earned on fuel transactions. |
Dining Discounts | Avail a minimu 15% discount at partner restaurants across India through Axis Bank’s Dining Delights program. |
Cash Withdrawal Facility | Withdraw up to 100% of your credit limit in cash from day one. |
Interest-Free Credit Period | Benefit from up to 50 days of interest-free credit on purchase transactions, provided there is no outstanding balance on the card account. This does not apply to cash transactions. |
Nil
Add-on Card Annual Fee | Nil |
Finance charges (Retail and Cash Transactions) | Interest is charged at 3.4% per month (49.36% per annum) on any outstanding balance. |
Cash Withdrawal Fee | 2.5% of the withdrawal amount (Min. ₹500) |
Fee for Cash Payment | ₹175 |
Card Replacement Fee | Nil |
Duplicate Statement Fee | Waived |
Over limit Penalty | 2.5% of the over-limit amount (Min. ₹500) |
Charge Slip Retrieval/Copy Request Fee | Waived |
Outstation Cheque Fee | Waived |
Cheque Return/ Dishonor Fee | 2% of the payment amount- 500₹ |
Foreign Currency Transaction Fee | 3.5% of the transaction value |
Reward Redemption Fee | ₹99 per redemption via EDGE portal ₹199 for conversion to other loyalty programs. |
₹750
Above ₹10,000 | ₹1,200 |
*T&C Apply
The following documents are required for the application:
Here is a step-by-step guide for an Axis Bank Insta Easy Credit Card:
Step 1: Click on the link to visit the official website.
Step 2: You will see the option “Apply Now.”.
Step 3: Click on it, and a new page will open. On this page, you will be asked whether you are an existing customer.
Step 4: If you click ‘No,’ a new page will open, and you will be asked to fill in the required fields, such as the mobile number linked to the Aadhar card, PAN number, and net annual income, and enter the captcha.
Step 5: Click on Next.
Step 6: If you answer yes as an existing customer, you must first fill in the required fields. The mobile number is linked to the Aadhar card, PAN number, and net annual income; the captcha is entered.
Step 7: Click on Next. On the next page, you will be given offers specially made for you. Finally, proceed towards the third step to complete the application.
You can contact Axis Bank customer service using the following methods if you need help with your Axis Bank Insta Easy Credit Card:
Please note that depending on your service provider, calls to the normal numbers may result in fees. Retail phone banking services are accessible at these numbers.
Also Read - Axis Bank Credit Card – Features, Benefits & How to Apply
To report the loss of your credit card or for other urgent matters, you can contact the 24/7 emergency helpline at:
Ensure that you send this SMS from your registered mobile number. Alternatively, you can block your card through Axis Mobile or Internet Banking, or by calling the customer care numbers mentioned above.
Travel-focused, the Axis Bank Atlas Credit Card offers several exclusive perks and rewards to make your travels more enjoyable. When cardholders spend money, they accrue EDGE Miles that may be exchanged for airfare, hotel reservations, and other travel-related services. The card has Silver, Gold, and Platinum rewards, each offering increasing benefits as you move up the ranks.
The additional benefits include the ability to transfer EDGE Miles to partner reward programs, dining privileges, and access to domestic and international airport lounges. Because of these qualities, the Atlas Credit Card is an attractive option for frequent travellers who want to get the most out of their purchases.
Q. What are the tiers of the Axis Bank Atlas Credit Card?
As cardholders go through several tiers, the Axis Bank Atlas Credit Card's tiered rewards structure is intended to increase perks. There are three levels:
Increased EDGE Miles earning rates, improved travel benefits, and access to premium services are just a few of the increasing benefits offered by each tier. Cardholders may keep an eye on their progress and current tier status through the Tier Dashboard on the Axis Bank Mobile App.
Q. How do I redeem my Axis Atlas Credit Card EDGE Miles?
You can use the EDGE Miles you've accrued with the Axis Bank Atlas Credit Card. One of the simplest methods is to utilise the Axis Bank Mobile App, which allows you to view the EDGE Miles dashboard and use the "Book Now" option to exchange miles for experiences, lodging, and flights. Each EDGE Mile is worth ₹1 when using the app to book travel. Transferring EDGE Miles to affiliated hotels and airline loyalty programs is another well-liked redemption option.
One EDGE Mile, for instance, can be exchanged for two ALL (Accor Live Limitless) Reward points or transferred to Club ITC, Marriott Bonvoy, or Vistara. Sign in to your Axis Bank account, select your selected partner program, and follow the instructions to finish the transfer.
It's crucial to remember that EDGE Miles cannot be paid and that some transactions—like those converted to EMI—may result in the miles being deducted. Visit the official Axis Bank website or contact customer service to explain the redemption procedure and review your alternatives thoroughly.
Q. Can I use my Axis Atlas Credit Card outside of India?
The Axis Atlas credit card is accepted anywhere in the world. However, there will be a 3.5% foreign exchange markup fee for all payments made in a foreign currency.
Other Credit Cards | |||
